Re: Comenity Goodwill Success

I highly recommend using Messenger on Facebook. If you go to their Facebook page you can just click on “send a message” and it will tare you to Messenger. I had precisely the same situation. I called their 800 # 2-3 times and never got anything but “you have to send a letter” response. I eventually figured I would look for their Twitter and Facebook pages and try that route. I tried Facebook first and got an answer within a couple hours. They asked me to explain why I thought the strike should be removed. About 24 hours later I got a reply saying they had removed the strike from all 3 credit bureaus. The person even followed up a few days later to see if I needed help with anything else.

I can’t be positive but I’m about 99% sure the person responding on Facebook was from the U.S. Most other contact methods for Comenity go through call centers in India and Pakistan. I don’t think they have the authority to do anything besides tell people to send the letter. The person that responded to me thru Facebook clearly had a good amount of authority since they took care of it in under 24 hours. This happened in early January so it’s doubtful anything has changed since then. I had a pretty strong reason for why the strikes should be removed so I can’t be sure everyone will have the same success. However if they won’t remove it I think it’s very likely nobody else from Comenity will do it either.

Getting just 1 strike removed can make a gigantic increase in your credit score so I think it’s worth continuing to try until you’ve exausted every method of communication .

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more about other FICO Score versions.

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.